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HBAN vs PNC
Which Stock Would AI Choose? Huntington Bancshares (HBAN) vs. PNC Financial Services Group (PNC) Stock Comparison
Key Takeaways
- Both HBAN and PNC delivered Q1 earnings beats, with net interest income (NII, revenue from interest-bearing assets minus interest expenses) growth driving performance in recent weeks.
- PNC outperforms year-to-date at 7.5% versus HBAN's 3.6%, reflecting stronger momentum amid regional banking recovery.
- HBAN provides a higher dividend yield of 3.75% compared to PNC's 3.08%, appealing to income-focused investors.
- PNC's larger scale (market cap $89B vs. $33.5B) supports diversified growth, bolstered by recent acquisitions.
- Recent share repurchases signal confidence: HBAN authorized $3B, while PNC returned $1.4B in Q1.
- Stock prices for both rose post-earnings, but PNC shows greater one-year gains (43% vs. 18%).
Introduction
This stock comparison examines HBAN and PNC, two prominent regional banks navigating a dynamic interest rate environment and economic shifts. Investors seeking dividend stability or growth potential in the financial sector will find value here, as both exhibit resilience through strong net interest margins and loan activity. Recent quarterly results highlight contrasts in scale, regional focus, and momentum, aiding traders in assessing relative performance, risk exposure, and market positioning for portfolio decisions.
HBAN Overview and Recent Performance
Huntington Bancshares (HBAN), a Midwest-focused regional bank offering commercial, consumer, and wealth management services, has demonstrated solid fundamentals. In recent market activity, shares traded around $16.55, within a 52-week range of $14.19–$19.46. Year-to-date gains stand at 3.6%, with one-year returns at 18%. Q1 results featured adjusted EPS of $0.37 (beating estimates), revenue up 34% year-over-year, and NII rising 19% quarter-over-quarter to support net income of $523 million. A $3 billion share repurchase program underscores capital return confidence. Sentiment improved with an analyst upgrade to Neutral, driven by loan growth and fee income amid rising business activity, though shares remain sensitive to interest rate fluctuations.
PNC Overview and Recent Performance
The PNC Financial Services Group (PNC), a diversified super-regional bank with operations across retail banking, corporate services, and asset management, maintains robust positioning. Shares recently hovered near $220.90, in a 52-week range of $156.70–$243.94. Year-to-date performance reached 7.5%, with one-year gains of 43%. Q1 earnings showed EPS of $4.32 (exceeding forecasts), revenue up 13% to $6.17 billion, and NII climbing 14% year-over-year to $4 billion, yielding net income of $1.8 billion. The FirstBank acquisition fueled loan expansion and margin gains, prompting an upward revision to annual interest income guidance. Positive analyst views, including Outperform ratings, reflect optimism, tempered by expense management like recent workforce adjustments.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases the platform's elite performers, curating 25 top bots from over 351 total AI trading bots that analyze thousands of tickers across diverse strategies. These trending selections adapt to current market conditions, featuring varied styles such as swing trading, scalping, and long-term holds, with performance metrics highlighting win rates often exceeding 60%, profit factors above 1.5, and average gains from 2-5% per trade based on historical backtests. Timeframes range from intraday to multi-month, catering to different risk appetites. This curated list empowers traders with data-driven signals; explore it to identify bots aligning with your HBAN or PNC strategies.
Head-to-Head Comparison
HBAN and PNC share regional banking models emphasizing deposits, loans, and fees, but differ in scale and exposure. PNC's larger footprint and recent M&A (mergers and acquisitions) activity provide broader diversification and growth drivers like expanded loan portfolios, contrasting HBAN's concentrated Midwest operations. Recent momentum favors PNC with superior returns, while HBAN edges on valuation (P/E 12.7 vs. 12.9) and yield. Risk factors include shared sensitivity to rates and credit quality (non-performing loans, NCOs), but PNC exhibits lower beta (0.96 vs. 0.97). Market sentiment tilts toward PNC post-earnings, though both benefit from sector tailwinds in NII.
Tickeron AI Verdict
Tickeron’s AI models currently favor PNC with moderate conviction, citing consistent trend strength, superior relative performance, acquisition-driven catalysts, and higher return on equity (12.1% vs. 8.4%). While HBAN offers attractive yield and buyback support, PNC's scale and momentum position it better for near-term outperformance in a stabilizing rate environment.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HBAN is a Buy and PNC is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HBAN’s FA Score shows that 3 FA rating(s) are green whilePNC’s FA Score has 2 green FA rating(s).
- HBAN’s FA Score: 3 green, 2 red.
- PNC’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HBAN’s TA Score shows that 5 TA indicator(s) are bullish while PNC’s TA Score has 3 bullish TA indicator(s).
- HBAN’s TA Score: 5 bullish, 4 bearish.
- PNC’s TA Score: 3 bullish, 4 bearish.
Price Growth
HBAN (@Regional Banks) experienced а -0.61% price change this week, while PNC (@Regional Banks) price change was +1.72% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.44%. For the same industry, the average monthly price growth was +6.98%, and the average quarterly price growth was +18.36%.
Reported Earning Dates
HBAN is expected to report earnings on Jul 23, 2026.
PNC is expected to report earnings on Jul 15, 2026.
Industries' Descriptions
@Regional Banks (+1.44% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| HBAN | PNC | HBAN / PNC | |
| Capitalization | 36.2B | 100B | 36% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 4.514 | 21.370 | 21% |
| P/E Ratio | 13.12 | 13.64 | 96% |
| Revenue | 8.78B | 23.8B | 37% |
| Total Cash | 2.1B | 6.78B | 31% |
| Total Debt | 23.5B | 66.7B | 35% |
HBAN | PNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 32 Undervalued | 56 Fair valued | |
PROFIT vs RISK RATING 1..100 | 54 | 50 | |
SMR RATING 1..100 | 9 | 6 | |
PRICE GROWTH RATING 1..100 | 31 | 13 | |
P/E GROWTH RATING 1..100 | 46 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
HBAN's Valuation (32) in the Regional Banks industry is in the same range as PNC (56) in the Major Banks industry. This means that HBAN’s stock grew similarly to PNC’s over the last 12 months.
PNC's Profit vs Risk Rating (50) in the Major Banks industry is in the same range as HBAN (54) in the Regional Banks industry. This means that PNC’s stock grew similarly to HBAN’s over the last 12 months.
PNC's SMR Rating (6) in the Major Banks industry is in the same range as HBAN (9) in the Regional Banks industry. This means that PNC’s stock grew similarly to HBAN’s over the last 12 months.
PNC's Price Growth Rating (13) in the Major Banks industry is in the same range as HBAN (31) in the Regional Banks industry. This means that PNC’s stock grew similarly to HBAN’s over the last 12 months.
PNC's P/E Growth Rating (45) in the Major Banks industry is in the same range as HBAN (46) in the Regional Banks industry. This means that PNC’s stock grew similarly to HBAN’s over the last 12 months.
| HBAN | PNC | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 74% | 4 days ago 74% |
| Stochastic ODDS (%) | 4 days ago 62% | 4 days ago 58% |
| Momentum ODDS (%) | N/A | N/A |
| MACD ODDS (%) | N/A | N/A |
| TrendWeek ODDS (%) | 4 days ago 61% | 4 days ago 57% |
| TrendMonth ODDS (%) | 4 days ago 58% | 4 days ago 52% |
| Advances ODDS (%) | 11 days ago 64% | 11 days ago 56% |
| Declines ODDS (%) | 28 days ago 60% | 18 days ago 60% |
| BollingerBands ODDS (%) | 4 days ago 60% | 4 days ago 69% |
| Aroon ODDS (%) | 4 days ago 53% | 4 days ago 45% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.
| Ticker / NAME | Correlation To PNC | 1D Price Change % | ||
|---|---|---|---|---|
| PNC | 100% | -0.85% | ||
| USB - PNC | 87% Closely correlated | -0.37% | ||
| KEY - PNC | 85% Closely correlated | -0.99% | ||
| HBAN - PNC | 85% Closely correlated | N/A | ||
| MTB - PNC | 85% Closely correlated | -1.27% | ||
| FITB - PNC | 84% Closely correlated | -0.57% | ||
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